Price Satisfaction
Discover whether pet owners feel they’re getting good value from their pet insurance plans. These reviews focus on pricing transparency, affordability, and overall satisfaction with plan costs.
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Customer service is quick and helpful
Customer service is quick and helpful! We tried going through Costco or Sam's Club to lower rates, but since we are prior/current customers our rates would have gone way up. Each time we get a pet, we get them covered w/ Embrace.
Insurer: Embrace
By: Consumer
Phoebe lived to be 15 years and 10…
Phoebe lived to be 15 years and 10 months. Knowing she had insurance and coverage made it easier to ensure she always received the best medical care possible. She was active, happy, and well cared for by incredible veterinarians throughout her life. While the cost of insurance increased over the years, the value never diminished. That peace of mind mattered more than anything.
Insurer: Nationwide
By: Gabe G
DO NOT USE FOR FRENCHIES EVER!!!!!!!!!
DO NOT USE FOR FRENCHIES EVER. I am writing this review to document how deeply disappointed I am with Spot Pet Insurance and how completely they failed my dog and me. My experience has been financially devastating, emotionally exhausting, and ultimately has shown me that Spot does not provide the protection or reliability they advertise. 1. I paid monthly premiums, but Spot paid nothing when it mattered I paid $75 per month for coverage, trusting that Spot would help in the event of an emergency. Over the course of the year, that totaled $900. Despite this, Spot did not cover a single dollar of my dog’s care — not routine care, not emergencies, not hospitalization. 2. Spot refused to cover a life‑threatening emergency My French Bulldog suffered a severe respiratory attack that required: Oxygen Overnight hospitalization Lab work Emergency care The total cost was $4,500. Spot denied the entire claim, citing “BOAS” in his records — even though he is a French Bulldog, a brachycephalic breed by nature. This was not a pre‑existing condition; it was an acute emergency. I appealed six times, and every appeal was denied. 3. Spot also refused to cover medically necessary BOAS surgery Following the emergency, my dog required BOAS surgery to prevent future respiratory crises. This surgery cost approximately $5,000. Spot denied this as well, again using the BOAS label as a blanket exclusion. 4. Routine care was also not covered Despite paying monthly premiums, Spot did not cover: Vaccines ($60 each) Wellness exams ($125 each) Any routine care whatsoever This meant I was paying for insurance and paying full price for basic veterinary care. 5. My total out‑of‑pocket cost last year was over $10,000 Between the emergency hospitalization, surgery, and routine care, I paid over $10,000 out of pocket, on top of the premiums I paid to Spot. Spot contributed nothing. 6. Spot’s exclusions make the policy nearly useless for French Bulldogs French Bulldogs are prone to respiratory issues, which is exactly why owners seek insurance. Spot’s approach — excluding anything related to BOAS, even acute emergencies — makes their policy effectively worthless for this breed. If a Frenchie can’t get coverage for respiratory emergencies, hospitalization, or surgery, then the policy has no meaningful value. 7. The appeals process was exhausting and unproductive I submitted multiple appeals with documentation, vet notes, and explanations. Every appeal was denied with the same generic reasoning. There was no meaningful review, no nuance, and no willingness to consider the actual medical situation. Conclusion My experience with Spot Pet Insurance has been overwhelmingly negative. I paid monthly premiums for a year and received zero coverage, even during a life‑threatening emergency. I was left with more than $10,000 in veterinary bills and no support from the company I trusted to help protect my dog. Based on my experience, I cannot recommend Spot to any pet owner — especially owners of French Bulldogs or other brachycephalic breeds. The exclusions and denials make the policy effectively useless when you need it most.
Insurer: Spot
By: Giulia Paulet
Lifesaving care possible because of trupanion
Trupanion has made it possible for us to care for our pets in the best way possible. We wouldn’t have been able to afford monthly medication and expensive testing without Trupanion and we are beyond thankful!
Insurer: Trupanion
By: Christie
Increase in costs are not worth it
I’m extremely disappointed that both the monthly rate and deductible have increase so much. It doesn’t seem beneficial to keep this policy.
Insurer: Trupanion
By: Keely
A waste of time and money with this…
A waste of time and money with this company. Go with another pet Insurance that actually cares about your pet with cheaper insurance and better coverage.
Insurer: ASPCA
By: Jen G
Reasonable Cost but .. not reasonable reimbursement
So the monthly cost is less than $50 so the annual will be about $600. I placed a claim in January for 682.00 and was paid $10. The logic here was the rest fell to the $750 annual deductable which can be changed on the anniversary of the first claim. Say What?, the policies anniversary is July, but the January claim dictates when a change can occurr. Time to change carriers.
Insurer: Figo
By: alex
quick and easy to use
quick and easy to use. super fast and responsive. Fair reimbursements. Recommend healthypaws immensely. Saved us with a dog going through cancer.
Insurer: Healthy Paws
By: Brad Yoo
Good service and I am happy with it.
Good service and I am happy with it.
Insurer: Sonnet
By: Ling Gao
AWFUL pet insurance company
AWFUL pet insurance company, do your research - there are definitely better options currently available. 3 of my pets have had this coverage for over 10 years. Although they pay quickly, you pay an exorbitant amount for the coverage which increases annually and now effective 2026, they are reducing coverage but charging even more so as to cover their profit margin. Look elsewhere. Unfortunately with pet insurance, switching companies is not easy as there are pre-existing exclusions. This was a decent company 10+ years ago compared to options at that time, but started sliding about 4 years ago.
Insurer: Healthy Paws
By: Disappointed Customer